Non-Owners Insurance
Florida FR44 non-owner insurance
Looking for Florida non-owner FR44 insurance? FR44 Guru specializes in all types of FR44 insurance, including non-owner policies that fulfill the FR44 requirement for individuals without a vehicle.
Our introduction
If you need to get your license back but don't own a car, a non-owner FR44 policy may be necessary. Our policies provide coverage if you cause bodily injury or property damage to others while driving a vehicle you don't own. Our non-owner auto insurance policies do not cover physical damage (comprehensive and collision) to any vehicle you own or operate, nor do they include personal injury protection (PIP) — though medical payment coverage may be added in some cases. Non-owner FR44 policies are typically less expensive than traditional auto policies because they offer less coverage. With access to multiple markets, we can help you find affordable Florida non-owner FR44 insurance.
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What is non-owner auto insurance?
If you're in Florida and don't own a vehicle, you may still need insurance coverage while driving someone else's car. Florida non-owner FR44 insurance provides liability coverage while you're operating another person's vehicle — for instance, if you borrow a friend's car and cause an accident, a non-owner policy with FR44 coverage can protect you from financial liability. Named non-owner policies do not offer coverage for vehicles that you own or regularly operate.
If you buy a car or operate a specific vehicle regularly, you'll need an FR44 filing on that vehicle instead. While most non-owner policies don't include personal injury protection (PIP), uninsured/underinsured motorist coverage can be added for further protection. In Florida, you may be required to carry non-owner FR44 insurance if you've received a DUI and don't own a vehicle, to ensure you have coverage in case you injure someone while driving a non-owned vehicle.
Florida FR44 non-owner insurance highlights
